Night Strike wrote:PLAYER57832 wrote:We could.. for $1300 a month. Of course, when you are making less than 30K, that's a bit of a stretch...
And, as I said, there was really no gaurantee, before, that Blue Cross would actually pay up if I got truly sick.
That's a lot of money, but people
should pay different amounts based on the risk they are and the choices they make.
CHOICES? You consider illness a CHOICE? We are not talking about smoking, illegal drug use or any other real "choice" here.
Night Strike wrote:Obamacare removes that price flexibility, which means all people pay more since some people can't be forced to pay more (or companies can't give incentives to pay less).
You are EXTREMELY misinformed. The truth is that people RIGHT NOW have not flexibility, unless they happen to be wealthy or work fulltime for one of the big companies or the government. More and more people are either working part-time or in contract positions that provide no insurance at all. A large number of government employees are seasonal or part-time, including the huge numbers of fire fighters risking their lives fighting the Colorado fires.. they get no insurance,except workman's comp!
Buy on the individual market? IF you are young, not prone to get sick or in a hazardous occupation, then you may be able to get a policy for a few hundred. Add ANY kind of complication, at all, and that price jumps to between 1 and 2 THOUSAND, a month!
Night Strike wrote:[Also, if the problem was that insurance companies would not actually pay out money, then there are plenty of ways to address that problem without the monstrosity that is Obamacare. For starters, the government can make sure to do their job in enforcing the contracts that two parties enter in. If people are paying their premiums, then it's the government's job to make sure the insurance companies uphold their end of the contract. It's basic contract law.
No, its not "basic contract law". I already addressed this, but again, there is no contract violation because the insurers have nicely changed the contracts to avoid paying all kinds of charges. They do that basically every year or any time their contracts are renewed (typically each year.. though you may not realize that unless the rates change, etc.).
No, what has to happen is what DID happen under the healthcare reform act. Insurers have to be required to insure everyone.. else they insure only the healthiest and luckiest and dump the rest onto taxpayers or "charity" care, which often just means the hospital "absorbs" the costs.. and passes them on to other patients.
BUT.. for insurers to do that, they have to be able to balance insuring the sick with insuring the healthy. Otherwise, people will just wait until they are getting sick or old to buy insurance.
Night Strike wrote: It does nothing to make health care better, and in many cases it will probably make it worse.
"in many cases"... "will probably". You base this on assumptions, not fact. Why would our healthcare be so much worse when that is NOT the case around the world? Also, you seem to think we live in some kind of idealized system, instead of system that dumps millions of patients, that is cutting research into real disease cures, etc.